Star Health vs Reliance health insurance

Compare Star Health vs Reliance health insurance
Plan Type
Health
Coverage type
Coverage State
Coverage City
Coverage amount
Date of birth
  OR age    years
Policy duration
Gender
Start date
End date
* Get insurance updates
Star Health Reliance
Claims Settlement Ratio ** 81.62% 80.61%
Number of Lives Covered * 1,16,17,000 22,48,000
Network Hospitals 9,900 + 4,000 +
  • * As per IRDAI report for 2018-19
  • ** As per NL25 data published on the Insurance Company website
Star Health Medi Classic Star Health Comprehensive plan Star Health Family Health Optima Star Health Arogya Sanjeevani HealthGain Healthwise Health Infinity Arogya Sanjeevani
Medi Classic Comprehensive plan Family Health Optima Arogya Sanjeevani HealthGain Healthwise Health Infinity Arogya Sanjeevani
In-patient Treatment
Covers hospitalisation expenses due to an disease/illness/ injury Covers hospitalisation expenses due to an disease/illness/ injury Covers hospitalisation expenses due to an disease/illness/ injury Covers hospitalisation expenses due to an disease/illness/ injury Covered illnesses /injuries, where the insured person is hospitalised for more than 24 consecutive hours. Covers hospitalisation expenses due to an disease/illness/injury per policy period ​ ​Covered, No Sub limits Covers hospitalisation expenses
Room Rent
Basic: 2% of base sum insured maximum up to Rs.5,000
Gold - 3 lakhs & 4 lakhs: Rs.5,000 per day
5 lakhs to 25 lakhs: Private single A/c Room
Private Single Standard A/c Room 3 lakhs & 4 lakhs: Rs.5,000 per day
5 lakhs to 25 lakhs: Single Standard A/c Room
2% of Sum Insured subject to a maximum of ₹5,000 per day Actual No sub-limit No sub-limit Up to 2% of the sum insured subject to maximum of Rs.5000 per day.
ICU Charges
Covered Actual Covered 5% of sum insured, Max up to Rs.10,000 per day Not Covered Not Covered Covered expenses up to 5% of sum insured subject to maximum of Rs.10,000 per day.
Pre-hospitalization
Incurred for a period not exceeding 30 days prior to the date of hospitalization, for the disease/illness, injury Up to 60 days Up to 60 days Up to 30 days Up to 60 days Standard Plan 30 days
Silver & Gold Plan 60 days
90 days before the date of admission to the hospital Covers medical expenses incurred 30 days prior to the date of hospitalisation.
Post-hospitalization
Basic - 60 days from the date of discharge from the hospital (payble 7% of hospitalization expenses maximum of Rs.5,000 per hospitalization)
Gold - 60 days from the date of discharge from the hospital
Up to 90 days Up to 90 days 60 days after discharge from the hospital Up to 60 days Standard Plan 60 days
Silver & Gold Plan 90 days
180 days after discharge from the hospital Covers medical expenses incurred up to 60 days from the date of discharge.
Day Care Procedures
All day care procedures are covered All day care procedures are covered All day care procedures are covered All day care procedures are covered All day care procedures are covered All day care procedures are covered All day care procedures are covered Medical expenses incurred for day care procedures taken at a hospital or day care centre. 24 hour mandatory hospitalization is not necessary in the day care procedure.
Domiciliary Treatment
Covered Covered Not covered Covered Up to 10% of base sum insured,subject to maximum of Rs.50000 Yes - Limited to 10% of Sum Insured, for medical expenses incurred for availing Medical treatment at home which would have otherwise required hospitalisation Covered up to sum insured Not covered
Emergency Ambulance
Up to Rs.750 per hospitalisation and overall limit of Rs.1,500 per policy period Actual Up to Rs.750 per hospitalisation and overall limit of Rs.1,500 per policy period Up to Rs.2,000 per hospitalisation Up to Rs.1,500 to Rs.3000 per hospitalisation Standard Plan 500 per hospitalisation
Silver Plan 750 per hospitalisation
Gold Plan 1000 per hospitalisation
Covered, No Sub-limits Up to Rs.2,000 per hospitalisation
Dental Treatment
Not covered 5 & 7.5 lakhs: Rs.5,000
10 to 25 lakhs: Rs.10,000
50 lakhs to 1 crore: Rs.15,000
Not covered Not covered Not covered Not covered Not covered Covered
Bariatric Surgery
Not covered 5 to 15 lakhs: Rs.2,50,000
20 lakhs to 1 crore: Rs.500,000
Not covered Not covered Not covered Not covered Not covered Not covered
Ayush Benefit
Not covered 5 to 15 lakhs: Rs.15,000 per policy period
20 & 25 lakhs: Rs.20,000 per policy period
50 lakhs to 1 crore: Rs.30,000 per policy period
3 & 4 lakhs: Up to Rs.10,000 per policy period
5 to 15 lakhs: Up to Rs.15,000 per policy period
20 & 25 lakhs: Up to Rs.20,000 per policy period
Covers in-patient care treatment under Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy up to Sum Insured Not covered Not covered ​Covered, No Sub limits Covered, No Sub limits
Maternity Benefits
Not covered 5 lakhs: Normal delivery - Rs.15,000
Caesarean - Rs.20,000
7.5 lakhs: Normal delivery - Rs.25,000
Caesarean - Rs.40,000
10lakhs to 25 lakhs: Normal delivery - Rs.30,000
Caesarean - Rs.50,000
50 lakhs to 1 crore: Normal delivery - Rs.50,000
Caesarean - Rs.100,000
(24 months for first delivery from first inception of the policy)
(24 months from claim under for next delivery)
Not covered Not covered Not covered Not covered Not covered Not covered
New Born baby cover
Not covered 5 lakhs to 25 lakhs: Rs.100,000
50 lakhs to 1 crore: Rs.200,000
Up to 10% of S.I or maximum of Rs.50,000 subject to availability of the S.I (from 16th day to till the expiry of the policy)
(provided if mother is insured for 12 months without break)
Not covered Not covered Not covered Not covered Not covered
Organ Donor Expenses
Basic: Not covered
Gold: Covered
Covered 10% of sum insured or Rs.100,000 Not Covered ​50% of sum insured up to max Rs.5 Lac Available only under Gold and Silver plans NO-SUBLIMIT Not covered
Vaccination (In case of post bite treatment)
Not covered Not covered Not covered Not covered Not covered Not covered Not covered Not covered
Health Check-up
Up to 1% of the average basic sum insured subjected to max of Rs.5000, is payable
(Sum insured 2 lakhs & above) .
5 lakhs: Rs.2,000
7.5 lakhs: Rs.2,500
10 lakhs: Rs.3,000
15 lakhs: Rs.4,000
20 lakhs & 25 lakhs: Rs.4,500
50 lakhs to 1crore: Rs.5,000
(Once in a block of every claim free years of continuous renewal)
3 lakhs: Rs.750
4 lakhs: Rs.1,000
5 lakhs: Rs.1,500
10 lakhs: Rs.2,000
15 lakhs: Rs.2,500
20 lakhs: Rs.3,000
25 lakhs: Rs.3,500
(available after every claim free year per policy)
Not covered Not covered Standard Plan: No
Silver Plan 7: Rs.250 per day for a maximum period of 5 days
Gold Plan: Rs.300 per day for a maximum period of 5 days
10% discount on health check-up Not covered
Hospital daily allowance
Not covered 5 lakhs: Rs.500
7.5 lakhs & 10 lakhs: Rs.750
15 lakhs & 20 lakhs: Rs.1000
25 lakhs: Rs.1,500
50 lakhs & 1 crore: Rs.2,500
(maximum 7 days/occurrence is payable)
Not covered Not covered Not covered Standard Plan: No
Silver Plan: No
Gold Plan:Rs.250 per day up to 7 days
Not covered Not covered
Co-pay
No co-pay if entry age is below 60 years / 20% co-pay for ages above 60 years No co-pay if entry age is below 60 years / 20% co-pay for ages above 60 years No co-pay if entry age is below 60 years / 20% co-pay for ages above 60 years 5% co-pay applicable on all claims NIL for insureds lessthan 61 years/ 20% co-pay for ages graterthan 61 years Not covered 10%, if opted 5% for all claims
Pre-existing diseases coverage
Covered after a waiting period of 4 years Covered after a waiting period of 4 years Covered after a waiting period of 2 years Covered after 48 months of continuous coverage without break Pre-existing diseases covered after 36 months of continuous coverage. Covered after 4 continuous renewals for Standard plan & 2 continuous renewals for Silver and Gold plan.. Pre-existing diseases covered after 36 months of continuous coverage. Pre-existing diseases covered after 48 months of continuous coverage.
Restore Benefit
200% of Base Sum Insured for unrelated illness/diseases 100% of Base Sum Insured for unrelated illness/diseases Thrice up to 100% of Base sum insured for plans with sum insured 3 lakhs and above Not applicable Not applicable Not applicable Equal to 100% of Sum Insured Not applicable
General waiting period
30 days 30 days 30 days 30 days 30 days 30 days 30 days 48 days
Renewal Benefit / Cumulative Bonus
Basic: 5% of the basic sum insured for every claim free year subject to a maximum of 25%
Gold: 25% of basic sum insured in the second year and additional 20% of the basic sum insured for each subsequent years subject to a maximum of 100%
5 lakhs: 50% on base sum insured for every claim free year and up to 100%
7.5 lakhs to 1 crore: 100% of the basic sum insured for every claim free year.
25% of Sum Insured after first year if claim free and additional 10% for the subsequent years
(Maximum allowable bonus is 100%)
5% on base sum insured for every claim free year and up to 50%. 33.33% increase in Base sum insured for every claim free year; Max up to 100%. 33.33% decrease in Base sum insured for every claim year; Max up to Cumulative Bonus earned. Continuity Benefits Shall be available only if the policy is renewed within 30 days from the previous policy expiry date. 10% discount on renewal premium Increase in the sum insured by 5% in respect of each claim free year subject to a maximum of 50% of sum insured.
Emergency Air Ambulance
Not covered Up to Rs.2,50,000 per hospitalization, not exceeding Rs.5,00,000 per policy period 3 to 5 lakhs: not covered
5 to 25 lakhs: Up to 10% of the Sum Insured
Not covered Not covered Not covered Not covered Not covered
Available sum insured options
Basic plan - 1.5 to 15lakhs
Gold plan - 3 to 25 lakhs
5 lakhs to 1 crore 3 to 25 lakhs 1 lakh to 5 lakhs Plan A: 3, 6 & 9 lakhs
Plan B: 12,15 & 18 lakhs
5 lakhs 3 lakhs to 1 CRORE 1 lac, 1.5 lakhs, 2 lakhs, 2.5 lakhs, 3 lakhs, 3.5 lakhs, 4 lakhs, 4.5 lakhs and 5 lakhs.
Policy can be purchased for
1 / 2 years 1 / 2 years 1 year 1 year 1 year 1 year 1, 2 & 3 Years​ 1 year
Eligibility criteria
5 Months to 65 years. Therefore only renewals will be accepted without capping on the exit age Adults from 18 to 65 years (dependents 3 months to less than 25 years) Adults from 18 to 65 years (dependents 16 days to less than 25 years) Adults from 18 to 65 years (dependents 3 months to less than 25 years) 65 years. No entry age bar for an insured sum of 3 lakh covered under the policy Maximum age to enter the plan is 65 years covered under the policy Child: 91 days to 25 years
Adult: 18 years to 65 years covered under the policy
Child: 91 days to 25 years
Adult: 18 years to 65 years
Renewability
Renewal for whole life Renewal for whole life Renewal for whole life Renewal for whole life Renewal for whole life Renewal for whole life Renewal for whole life Renewal for whole life
Daily Cash for Accompanying an Insured Child
Not covered Not covered Not covered Not covered Not covered Not covered Not covered Not covered
Claims loading
No Loading No Loading No Loading No Loading No Loading 5% for one condition ,max up to 25% 10% for one condition , max up to 50% No Loading
Portablity
(At the time of renewal)
Yes Yes Yes Yes Yes Yes Yes Yes
Tax Benefits Limit
Income tax benefit under section 80D Income tax benefit under section 80D Income tax benefit under section 80D Income tax benefit under section 80D Income tax benefit under section 80D Income tax benefit under section 80D Income tax benefit under section 80D Income tax benefit under section 80D
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Indian Health Insurance Resources

CIN: U66000KA2018PTC117713 | IRDAI Web aggregator License Code Number: IRDAI / INT / WBA /53/ 2018, Valid till 07/08/2025